Job Details

Description

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.

Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

The U.S. Consumer Services Team is responsible for our suite of consumer products, services, and experiences in the U.S., including our premium, cobrand, cash back, and lending portfolios, Membership Rewards, Global Travel & Lifestyle Services, the Centurion Lounge network, our Global Dining and Resy businesses, U.S. Consumer Banking, and best-in-class marketing programs across customer, prospect, and partner channels. The USCS team is focused on making membership an indisputable competitive advantage and helping each other become better leaders every day. The Consumer Banking Organization’s mission is to become essential to American Express Members’ lives by providing Everyday Banking products with unparalleled value, service, and convenience. Our Member deposits represent the largest source of funding for American Express, and a key strategic priority is to continue to grow our portfolio of cost efficient, resilient deposits.

The Director, Deposit Pricing will lead the strategy and execution of pricing for Checking, Savings, and CD products within the Consumer and Small Business Banking portfolio. This leader will shape strategies that optimize performance across a $100B deposit base while balancing customer value, competitive dynamics, and financial outcomes.

How You Will Make an Impact

• Drive strategic analysis of customer behaviors, balance flows, and macroeconomic trends; deliver insights and recommendations to senior leadership.

• Lead the weekly Deposit Pricing Forum, guiding portfolio strategy and integrating competitive and external perspectives.

• Partner with Finance and Treasury to quantify the financial impact of pricing decisions and enhance forecasting and valuation models.

• Develop and present pricing proposals for High-Yield Savings, CDs, and Checking products; coordinate cross-functional execution with operational excellence.

• Collaborate with Product Management to design innovative pricing constructs that align with broader Membership strategy and portfolio objectives.

• Build, lead, and inspire a high-performing team, fostering an inclusive and empowered culture.

Minimum Qualifications

• Strong financial acumen with demonstrated success managing product P&L and driving portfolio performance.

• Exceptional analytical, strategic thinking, and problem-solving skills.

• Proven ability to influence and collaborate across functions and at senior levels.

• Experience with analytical and visualization tools (e.g., SQL, Tableau).

• Demonstrated leadership in developing talent and building high-performing, inclusive teams.

• Bachelor’s degree required.

Qualifications

Salary Range: $130,000.00 to $205,000.00 annually bonus equity (if applicable) benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

• Competitive base salaries

• Bonus incentives

• 6% Company Match on retirement savings plan

• Free financial coaching and financial well-being support

• Comprehensive medical, dental, vision, life insurance, and disability benefits

• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need

• 20 weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy

• Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)

• Free and confidential counseling support through our Healthy Minds program

• Career development and training opportunities

For a full list of Team Amex benefits, visit our Colleague Benefits Site .

Currently, the Company does not have a physical location in the Charlotte, NC metropolitan area and, therefore, if you reside in the Charlotte, NC metropolitan area the role will temporarily be deemed virtual under the Company’s applicable policy (the Amex Flex Policy). We anticipate securing a physical office location in the Charlotte, NC metropolitan area in the future. Once that occurs, you will be notified that your position will be converted to hybrid and you will be required to work in the office in accordance with the applicable Amex Flex Policy (currently under the Amex Flex Policy, hybrid colleagues are required to work from the office a minimum of 3 days per week). You understand and agree that changing your role to hybrid designation and/or requiring you work from the office in accordance with the Company’s applicable Amex Flex Policy will not deem you eligible for separation pay under the Company’s applicable severance pay plans.

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

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Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain positions.

Job: Banking

Primary Location: US-New York-New York

Other Locations: US-North Carolina-Charlotte

Schedule Full-time

Req ID: 25015801